many places that have been foreclosed on or short sold, the hoa dues, the other people are paying the price of the other people that have left. so your situation is very tough because you're talk being $500 a month, plus a mortgage payment. so at this point in time, you can't control what the hoa is doing. they have the right, they have discretionary powers. you have to make a decision and that is do you loan modify, try to short sale, even if you want to keep the house? depending upon the value of that property, is going to depend upon how you make that decision. if you're that under water, off tough decision. on its face, if you can't pay for it, you ought to get advice on deciding short sale, modification, or let it go to foreclosure. it's that simple. the numbers, unfortunately today, the numbers rule the destiny of the homes that we live in. that's how it works. all right? we'll talk after. larry, come on up. how about this american flag? how can we help you? n my wife, a quick history.